Privacy Policy

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FACTS WHAT DOES CAPSTONE BANK DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Account balances
  • Payment history
  • Credit history
  • Employment information
  • Wire transfer instructions
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons CapStone Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does CapStone Bank Share? Can you limit this sharing?
For our everyday business purposes: to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes: to offer our products and services to you No We don't share
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes: information about your transactions and experiences No We don't share
For our affiliates' everyday business purposes: information about your creditworthiness No We don't share
For nonaffiliates to market to you No We don't share
  Questions?  Call (919) 256-6800

 

What we do
How does CapStone Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does CapStone Bank collect my personal information?
  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Give us your contact information
  • Make a wire transfer
Why can't I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates' everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market you

State laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state laws.)
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • CapStone Bank has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • CapStone Bank does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • CapStone Bank does not jointly market.
Other Important Information

For Alaska, Illinois, Maryland, Mississippi, and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing—without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing—without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi, and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing—without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.